Rates » IRA Certificate Rates Print Share

RATES

The following rates are effective on , and subject to change without notice. For updated information, inquire at any branch office or contact 301-249-1800.

IRA CERTIFICATES

Term Minimum Opening Balance Dividend Rate APY^
60 months $1,000 1.19% 1.20%
49 Months1 $5,000 1.98% 2.00%
48 months $1,000 0.95% 0.95%
36 months Bump Rate2 $1,000 0.75% 0.75%
36 months $1,000 0.80% 0.80%
24 months Bump Rate3 $1,000 0.55% 0.55%
24 months $1,000 0.60% 0.60%
15 months4 $5,000 1.00% 1.00%
12 months $1,000 0.50% 0.50%
12 months Add On $250 0.15% 0.15%
12 months Early Savers†† $50 0.25% 0.25%
6 months $1,000 0.45% 0.45%

Dividends Compounded: Monthly.  Dividends Credited: Monthly. Minimum Balance for Dividends: Equals Minimum Opening Balance as indicated above. Balance Method: Average Daily Balance.  Limitations: Refer to Member Services Agreement.*  Fees: Refer to Schedule of Fees.**

^ APY=Annual Percentage Yield.

Available for Certificate and IRA funds. Minimum $5,000 new funds required. Early withdrawal penalties apply and may reduce earnings. A minimum of $5,000 in new funds must be brought from an external source and must be deposited between 1, and  , . Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice. Special certificate renews automatically to a standard 48-month term at the rate in effect at the time of renewal unless instructed otherwise.

2 Annual Percentage Yield effective . $1,000 minimum opening balance. One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 36-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed. Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice.

Annual Percentage Yield effective . $1,000 minimum opening balance. One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 24-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed. Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice.

Available for Certificate and IRA funds. Minimum $5,000 new funds required. Early withdrawal penalties apply and may reduce earnings. A minimum of $5,000 in new funds must be brought from an external source and must be deposited between 1, and  , . Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless instructed otherwise. 

Annual Percentage Yield as of . Minimum $250 deposit to open; maximum $2,500 per month add on. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless otherwise instructed. Additional deposits of at least $25 must be made by automated means (i.e. account-to-account transfers, eBranch recurring or non-recurring transfers, etc.) but are not required. Early withdrawal penalties apply and may reduce earnings. Additional conditions apply.

†† Annual Percentage Yield as of . Minimum $50 deposit to open. Must be age 23 or under to be eligible. Additional deposits of at least $25 can be made at any time, but are not required. Balance, including dividends, cannot exceed $50,000 and any excess will be automatically transferred to the Prime Savings account. Early withdrawal penalties apply and may reduce earnings. Unless otherwise instructed, at age 24, an Early Savers Certificate will automatically renew to a standard 12-month term at the rate in effect at the time of renewal unless the certificate has a balance of less than $1,000, in which case, the balance will be transferred to the Prime Savings account.

*Accounts closed before the end of the dividend period will not receive accrued dividends.

**Fees could reduce earnings.

All rates, terms and availability are subject to change or withdrawal without notice at the discretion of the board of directors. Early withdrawal penalties apply and may reduce earnings.

Share Certificates closed before the end of the dividend period may lose dividends.

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